Category Archives: Blog

Warning: The Annual Summer US Stock Markets Selloff Is Coming!

US Stock Markets Update:

Summer sell off is coming
Question #1
What has changed about the US and world economy two months ago?

Answer: Almost Nothing

Question #2
Did anything change in China?
Answer: No

Question #3:
Is the price for a barrel of oil still a lot lower than a year ago?
Answer: Yes

Question #4
Is Greece still in a financial mess?
Answer: Yes

Question #5

Is the US Federal Reserve Board (FED still going to raise interest rates?

Answer: A resounding YES!
So; you may ask, why did the US stock markets bounce back up so quickly?
For example, the Dow is back up to 17,808 from a low of 15,370 (A nice 15% gain in just two months.) after the very wild ride in the first two months of 2106?

Warning, Don’t Get Too Happy!!

I have some excellent news for you; we are going back down!!! I think with the usual annual summer sell-off; I am over 99.99% sure this summer will be a very bumpy one. ….Yes, when the US a stock market is going down/correcting it is not bad news for intelligent investors.

It is very hard to find any fundamental reasons that the US stock markets will continue to go higher from here. However, the market mostly operates in the short-term on emotion, such as fear and greed, so that I may be surprised.

Remember, you have been warned, hang on, we are in for a rough ride in the upcoming months.

Schedule K-1s! (IRS Form 1065):
Don’t you just love them, I do? I get a lot of questions on Schedule K-1s!

My very beautiful, and most of the time kind, and sweet bride, Dinara always tells me” if you love me, you should not mind repeating things over a thousand times.”
So, as I have said every year now for over ten years; if you get K-1s each year, and they are in an IRA, they are not taxable.

You can always log on to TurboTax and try to enter them in, and as soon as you get to Part II under I2, TurboTax will ask you if this box is checked and if you say yes, it will stop you!
Please feel free to try it.
Once it stops you, you just have to keep these K-1s with your 2015 taxes.

And, if the IRS ever send you a letter saying you owe us taxes on this, you just fax them your IRA statements, 100% of the times that is all it takes, and they will go away as they have done for every single other person I have helped over the years who the IRS have contacted via mail.

Amazing Facts on The Major Credit Card Companies and As You Shop This Holiday Season 2015

As you spend money this month on holiday shopping, here are some amazing facts on the most popular credit and debit cards that I am 99.99% sure are in your, pockets, purses, wallets and handbags: Bonus

Holiday Shopping 2015
1. Nine years ago, a person charged $5,000* on his/her MasterCard and today she/he still trying to pay off the balance if they only pay the minimum required monthly payment

2. Nine years ago, another person invested $5,000 in MasterCard Stock (bought shares). Today that $5,000 is worth $106,203

3. Now, which person will you be 10, 20 or even 40 years from now?

Please click on the link below if you want to see how well you would have done with shares of Visa and American Express and, even, astonishingly

(MA) Starting trading as public in 2006: Today’s Value of $5,000 invested is now worth $106,203
June 08 of 2006 $5,000 divided by $ 4.61 = 1 084.59 x 97.92 current (current price 12/07/2015) = $106,203

Visa (V): Starting trading as public in 2008: Today’s Value of $5,000 invested is now worth $29,749.00
Visa : May 19 of 2008 $5,000 divided by $ 13.37 = 383.97 shares 79.55 x current (12/07/2015) = $29,749

American Express (AXP): Has been publicly trading for over 43 years. Starting trading as public in 2006: Today’s Value of $5,000 invested is now worth $106,203.

June 01 1972: $5,000 divided by $ 1.42 = 3,521.12 shares x 70.61.55 (current price 12/07/2015) = $248,627)

And now for an, even more, Amazing facts on a company that you must use credit or debit cards to pay;!

I am very sure you someone you know is doing some shopping on Now, let see how well you would have done if you invested the same $5,000 when AMZ first became a publicly traded company on May 16, 1997, as of 12/07/2015.

$1,935,924.85!! Yes, your $5,000 would be now worth almost $2 Million USD.

Oh, Amazon is the one stock that does not pay any dividends that I wrote in my book, “: How NOT to Lose Money, Over 110 Years of Investing History Cannot Be Wrong”, a book you must buy.

And, if you had just bought just one share when my book was published last year November 24, 2014, it would have cost you $335.64 but that one share would be worth as of today $677.33, over 100% in return–compare that to your savings and checking account that is only paying less than one percent.

* Very Important fact when you charged and owed money on your credit cards; that money is not owed to MasterCard or Visa, it is owed to the bank or firm where you make the monthly payment.

If you want to learn a lot more, please check out my blogs posting and my books

powerful personal finance books which are sold everywhere, where e-books or paperbacks books are available.

Or you can just simply click this link

When to Sell Stock(s)


Over the years, as soon as people meet me or learn that I am a long time experienced investor, they start bragging about a stock that they have that as done very well because it has increased in value (Very few talk about the many that they have lost money on).

And I always ask, “So, did you sell enough shares to at least prevent you from losing your original investment when the stock goes back down?”

Always with a puzzled look on their faces, they reply, “You mean take some profit?” No, I reply, you always want to leave your profit in the market. What you want to protect is your principal, your hard-earned money, your original investment. By taking out you original investments, you can sit back and not have to worry about the wild emotionally driven up-and-down swings in the stock markets. Even better, if the stock you own pays at least a quarterly dividend, your profit can be keep growing over time collecting reinvest dividends.

And with that explanation you can see the imaginary light bulbs go on over their head, “Oh, I get it, then all that is at risk is my gain, not my initial money!”

However, most people always find it hard to sell a stock that is doing very well (and sometimes even one that is clearly is a loser that will never recover). Sunk-cost fallacy.

I will share a true story here. I remember meeting this guy who asked me for free advice on a stock he had bought, he paid $30,000 for 2,000 shares of this stock that cost him $15 per shares. When I met him, the stock had gone up to $25 per share, so it was now worth $50,00. I said. “If I were you I would take out $31,000 and leave $19,000 in the market, so no matter what happens, you can never lose your $30,000 in this stock.”

He looked at me as if I was telling to give up his first born, and that I was crazy because this stock, his stock only has one direction–UP!

Anyway, and about six months later he called me on the phone and said he wish he had listened to me because the stock was now down to 36% and he now only had $32,000.

He came back to visit me unannounced because the stock had now dropped down to less than $1.80. But, as it keeps dropping, he kept buying to where he had over 30,000 more shares for a total of 32,000 shares at a total cost of over $80,000–he had used credit cards and equity in his home, and he was really upset with himself because this has caused a lot of stress with his wife..

After he had left, I did some in-depth research on the stock. It was a medical stock, that was going through FDA rejection after rejection, but I did notice it was not due to the product, but the sloppy medical trials. I called him back and explained this to him; he was still not happy has his home life was not the best.

About two years later I noticed that stock price had gone back up to over $9.80, and I called him, and I said your value is now over $300,000. I told him to sell at least half and pay off the credit cards and his home equity loan, he said no he would not because they were one more step away from possible getting approval by the FDA and the stock would go up even more. And he was right; the stock went to $38 per shares, and when he call me I said you were right you are now a millionaire with over $1.2 Million.

He asked me what to do and, again, I said to sell at least 25% and diversify your portfolio by putting some in mutual funds. He said he would and schedule and appoint to meet with me, but a week later but he kept rescheduling it until he just did not show up.

Then the dot com bubble burst and even though it was not a technology stock, the tech bubble crash was so bad that it took down all types, over 90% of companies saw their share price plunge by over 50%.

I called him a few times as the market kept going up then down and with wild swings, but he always found and excuse. The last time we spoke he still had over $400,000, but he told he is going to wait until the market recovered.

And then 9/11 came along, and the market continued to fall and so did most stocks and no one was having a good time, especially for people in the stock market business. I gave up on him, and about two years later he called me and I told my assistant just to take a left a message because I was in a meeting.

Later that day I look at the stock, and I was shocked to see that it was down to $.25 per shares because even though the product work it was more of discretionary medical devices and due to the back economy people just did not buy it and sales were poor.

I called him back to see if he had sold any and he said no, he was now going through a divorced and his life was in shambles because he add borrow more money and bought more shares at $.25 he now own 92,000 shares and the price of the stock was now $0.07 total value $6,440.00!

I have never heard from him then, and the stock price has never recovered; there are reasons for this story.

*ALL investments have risk, especially equity investments such as shares of company stock
*At some point, you must sell shares of stock you bought

When to Sell Stock:

First of all buy only stock that pays at least quarterly dividends: (with one exception More on this please read “Why I Changed My Mind on Amazon”)

Here are My 5 Rules to When to Sell Stock

1) SELL, whenever you have a stock that the price has gained more than 20% in less than year: Sell enough shares so you can take out your original money invested plus 10% of your gain. For example, say you invest $20,000, and it gained 20%–now you have $24,000, so you would sell enough shares to take out $20,000, plus $400 so now you have $3,600 left in the market.

Do you see the beauty of this investment strategy? Your original investment of $20,000 is no longer at the risk of the market, plus you pocket $400 for a bit of fun money. You can now relax knowing that no matter what happens in the market going forward, you can never lose any of your original money, but you still have money in the market collecting dividends that are being reinvested to buy more shares in a down or an upmarket.

2) SELL, If a company reduced their dividends payout amount before your investment shows a gain of 20% or more. When a company reduces, suspends, stops or cuts their cash dividends, something is not working, and you should be alarmed! Always, remember this; a company that is paying a minimum of a quarterly dividends is usually a profitable company, and when management and the board of directors cut or reduce dividends payout, you should also reduce your holdings.

This is 100% certain, when a publicly traded company cuts or reduces their dividends, the stock price will immediately dive down, be patient wait for a few days and sell a minimum of 70% of your total shares, even if it does not bounce back. If they cut the dividends payout 100%, do the same but sell 90%. I believe that if you do your research right, you should never sell 100% of you stock unless something really bad happens to the company, where you know it is a matter of time before they file for bankruptcy.

3) SELL whenever everyone one is really happy. If all your friends, family members, coworkers and general media is saying how well they are doing in the stock market that’s when to sell stock. Look at the stocks that are in your portfolio that have doubled within a year and sell 30% of those shares.

4) SELL if you will need the money in less than five years and keep the money in cash until you need to spend it. (Read more about this in “Your Buckets of Money”)

5) And my last rule on when to Sell Stock: SELL to keep your portfolio in balance so that all times you have only 70% in stocks and 30% in cash. If you do this, a remarkable thing happens; your will take the costly emotion out of investment, because when the market is doing very well, you will be forced to sell shares to put more in cash, and when the markets are correcting/crashing, you will be forced to buy more shares which mean you will be selling when the stock markets are going up and buying when the stock markets are going down.

Very Important NOTE on Selling: Never sell 100%–try to keep at least one to five percent: Here is one of the founder of Apple sold off 100% of his shares of stock for only $800 and bought gold to be safe, he now admitted in 2015 that his gold is worth only $1,750 but if he had kept his shares of Apple it would be worth over one billion USD (Read more Here)

Thanks for your time and attention and remember to learn more by getting a copy of one of my powerful personal finance books that are sold everywhere e–books or paperbacks books are sold.

Or you can just simply click this link

Smart Investors Earn Money in An Up, Flat or Down Market

Imagine sitting by a beautiful gushing, crystal clear river on a very, very hot day with the sun pounding on your body, dying of thirst, and you cannot drink any of that cool refreshing water.

Smart investors enjoy rivers on a hot summer day

This is the same principle as having non-dividend-paying stocks in a down or declining stock market.

You are not getting any more shares at a much lower price.

And to make matters worse, the market can stay down for over five years!

Smart investors, always own dividend-paying stocks.

If you don’t, believe me, ask Warren Buffett.

What smart investors do

Remember smart, wealthy people earn money in an up, flat or down market and you can, too. It’s simple; if you want to be wealthy, do what wealthy people do.

Learn how to get paid while you wait by getting a copy of one of my powerful but easy-to-read personal finance books that are sold everywhere where e-books or paperbacks books are sold.

Or you can just simply click this link

You Must Buy The Right Stocks!

When You Buy The Right Stocks, It Does Not Matter When You Buy Them, In Good Or Bad Market  As Long As You Are Investing For The Long Term!

Foolish vew and the correct veiw of the market. Why it is so important to buy the right stocks

One of the most important things when investing in the stock market is to make sure you buy those shares, where if the economy collapses the next day, these companies will survive until it bounces back.

You do this by buying companies that offer products and services where millions of people MUST use every day; such as the companies you, your family, friends, businesses and the local and federal government send a check to each month such like the gas and electricity company.

Companies like oil and gas companies such as Chevron Corp. (CVX) and Exxon Mobile Corp. (XOM), where millions of people are going to stop and buy gasoline for their cars and trucks.

We ALL must still drink water, so  Aqua America, Inc. (WTR) is going to sell water to people in good or bad times, right?

We all must eat food, so farmers are going to have to grow crops and they will need to use fertilizer from companies such as Potash Corporation of Saskatchewan Inc. (POT)

No matter how bad things get, the freight trains such as CSX, inc (CSX) are going to move goods that people still need across the country.

Millions of people are still going to take medication that they need to stay alive each day.

People may not have enough food to eat, but they are going to pay their mobile phone bill; try taking a cell phone from the tens of millions of teenagers who, to them, the mobile phones are like lifelines.

Most importantly, make sure these companies pays at least a quarterly dividend, that has been increasing over the years.

If you buy the right stocks and the next day the stock market goes down 50%, you do not have to worry. As a matter of fact, you will now be getting more shares as your reinvested cash dividend will only buy you more shares because the stock prices are lower.

Buy The Right Stocks

In 1919 The Coca-Cola company first opened to the general public (going public) at $40 per share.

The very next year was one of the worst years in the history of the US stock markets, and Coca-Cola stock price went from $40 to $19–a drop of over 52 percent!!!

However, for the people who did not panic and sell off their shares, that one share which had cost only $40, if they or their families had just ignored the media and  hold on to it and let all the dividends reinvested, that one $40 investment is now worth over $11 million USD today.

Yes, $40 is now worth over $11 million and coca cola is just one of the hundreds of dividends paying stocks that have done remarkably well over the years, don’t believe me? Just ask the second-richest person in the world, Warren Buffet, whose first investment at age 12 was none other than Coca-Cola.

In summary, doing a bit of research and buy the right stocks, really does not matter what the market does in the day to day short term.

You can learn so much more about my safer dividend stocks strategy by getting one of easy-to-read but very powerful  financial books that are sold everywhere in paperback and ebook.

bull or Bear 2015 Stock marekt drama

Fun Stock Market Question:

A bull is depicted as a Rising Stock Market, and a bear is as a Crashing/Correcting, right?

Now Do you know Why people are so frightened by a Bear Market

A bull may hurt or kill you, but a bear not only will kill you, but you will be his next meal …

It can take you 10, 20, 30 years or even a lifetime to build a very nice profitable  stock portfolio, but making a bad mistake and selling off  when the stock marketing his correcting can wipe you out for good, especially if you are foolish to use derivatives or margins…NEVER USE Margin unless you can stand to lose more than 100% of your all your money.

“Vision without action is daydream.
Action without vision is nightmare.”

What is your vision in life?

Mine is to help improve the lives of a of over 18 million people such as your self

so please help me by sharing information about my books

Thank You So Very Much 

Summer 2015 Stock Sell Off!

Summer 2015: The Usual Summer Stock Sale Is Finally Here !!

Hope you and your loved ones have had a very happy and fun Summer!! .

It has been an unusually busy one for me.

Markets Update:

Buy When There is Fear, Sell When People Get Greedy. The August Stock Sell Off

The usual summer stock sale is finally here.

For awhile there, I thought we wouldn’t have a stock sell off this year but, thanks to the secret crisis in China and the annual crisis of bankrupted Greece, we now have the annual summer dumping of stocks! These are the times I have been telling you about for years; this is a time in the market when the emotional investor will panic and sell … even if it means losing money.

Folks, you don’t make money by buying high and selling low. Especially when everyone is doing a stock sell off

So, what should you do in August 2015 when everyone is sell, sell, selling? If I were you, I would be Buy! Buy! Buying!

This is where the intelligent investor searches for bargains in safer dividend-paying stocks. These are company stocks where millions of people must buy and use their products and services every day.

Learn how you can use these annual stock sales to earn lots of money for the long-term by checking my Financial Blogs and get a copy of my book, “Simpler Safe Investing”; at www.sherwinpbrown.comm

Warren Buffetts only two rlues

I wrote this blog ” Beware of the Ides of August below, three years ago:

***” Beware of the Ides of August

How to Prepare for Any Financial Disaster

How to Safely Invest, so You are Prepared for Any Disaster  such as The Greek Debt Crisis

photo of greek crisis

People ask me what I think of Greece Debt Crisis? I will answer this as I have done each time skittish investors started panicking because of some kind of global crisis and even here in the US; let’s start with some basic questions.

Q: Are you going to have still to pay your utility bills if Greece goes bankrupt?

A: Yes

Q: Are you and billions of other people going to put gas in your car?

A: Yes

Q: Are you and millions of other people going to pay AT&T or Verizon mobile bill?

A: Yes

Q: Are you and millions of other people going to use still your Visa or Mastercard?

A: Yes

Q: Are you and millions of other people still going to eat?

A: Yes

Q: Do thousands of farmers are going to still grow food? 

A: Yes

Q: Are you and billions of other people still going to drink water?

A: Yes

Q: Do millions of people still have to keep taking their life-saving medications?

A: Yes

Q: Are companies like CVS, Walgreens, and Wal-Mart, still going to need buildings to sell medications and other stuff to people?

A: Yes

Q: Will the freight trains still have to move tons of freight of goods and produce that hundreds of millions of people need across the USA?

A: Yes

Q: And even right down to the very basics; are you and tens of millions of people going to use still the bathroom each day?

A: Yes

Q: Are you invested in companies that offer products and services that I mention above?

A: No! Then you do need to worry!

So let’s summarize; if you invest in companies where millions and millions of people have no choice but to use their products and services, then in the long run you don’t have to worry. It’s really just that simple.

Remember: Warren Buffett invests knowing that they may close the stock market for ten years, and he is right–the government can do this.

But, if all or most of your investments are in mutual funds such as bond or stock funds, then you should worry because most of the armchair investors are going to sell their funds as soon as the media start broadcasting and focusing on any crisis.  And the portfolio manager of your funds has no choice but to sell his underlying holdings to get cash to pay the people who are panicking which, in turn, will drive your portfolio down really fast to where you will lose money.

The irony of being a mutual fund manager is thus; when he/she really needs people to invest so they can have money to buy stocks that are now on sale, that is the very time he/she is forced to sell even more of these same beaten down stocks to pay people who are screaming for their money. And after a long time when things are good again, and all the stock have rebound people will once again start investing again and, he will have cash, but he is forced to buy–at the top.

On the most important questions of all is; do you have all (100%) your money invested in the stock and bond markets.

If yes, then you should truly panic!

The money you need now and for next five years should never be invested where it’s at risk, it should be in something that is in a fixed or guaranteed investments or just simple plain old cash.

Also take a lesson from intelligent investor never, never, have all your money invested at any time.

Keep at least 30% of your portfolio out of the market at all times so you have money for emergencies and can also to take advantage of buying opportunities when a crisis like this comes around, because this is guaranteed to always happen.

Believe it or not, Safer Investing is really simple.

If you did your homework and invested right in the first place by doing your research and reading by a book such as, “Simpler, Safer Investing: How NOT to Lose Money, Over 110 Years of Investing History Cannot Be Wrong” by Sherwin Presley Brown, you learn how to invest in profitable monthly and quarterly dividend-paying companies and have them enrolled in a  DRIP (Dividend Reinvestment Plan). 

Learn to see a down market in a good light. You will dance with the Bears and run with the Bulls. 

In addition, one of the key fundamentals of Safer Investing is a down market (a stock market that is correcting and even one that is crashed is a very good thing). Just a reminder: All investment markets have ups and downs—and you need a down market to make really good money. If you plan well by keeping the money that you’ll need within the near future (one month to thirty months—see buckets of money notes in my book mentioned above)  out of the stock market at all times, then you should welcome a down market. You can buy shares a lot cheaper, and your dividends will be reinvested at much lower prices.


Bonus Question:
When another country or other parts of the world are having financial trouble, such as Greece, which is the one county that investors run to with their money for safety?


Thanks for reading my blog,

please check out my books and other blogs at

Why I Changed My Mind on Amazon

Three quick questions?

1) Are you one of the millions that shop on Amazon and just love getting that package delivered exactly on time?
2) Do You want to have more money in the future?
3) Do you own share of Amazon (AMZN)?

amazon books on stock investing

When it comes to companies as large and life-altering as, you have to make an exception to the Safe Investing Rules. The reason I always avoided buying Amazon stock for years is that they do not pay cash dividends (even though I’ve been watching and hoping it would have a huge correction almost every business day). I even sell amazon books on stock investing!

My strict rules when I buy a stock are as follows:

1) The companies must be profitable and since my background is accounting, I am an expert at reading, understanding, and knowing financial statements. A lot of people just look at the bottom line or listen to a financial news blip. However, a company may show a net loss on its income statements, but a closer look at their cash flow statements will show that they have very good cash flow from operating activities and are very profitable. And they know how to legally NOT pay any taxes by growing the company (by the way, Amazon is an expert at doing this).

2) The companies must produce goods or services that millions of people use in their daily lives. For example, hundreds of millions of people in America have a Visa (V) or a MasterCard (MA) in their purse or wallet and they use them to purchase goods and services. WShoes

3) The companies I endorse must pay, at the very least, annual dividends that you can reinvest in the form of additional shares of the same company stock at zero cost (that means no commission). Quarterly dividends are even better, but very few companies do this. My very favorite is a company that pays monthly cash dividends, such as Reality Income (O) .

4) They must be companies that have understandable “how and what” in what they do in

their business—the more basic, the better. For example: a shipping company, Navios Maritime Partners L.P. (NMM), brings huge bulk goods to and from countries around the world. Another company that has an important but simple mission is a freight train line, like Norfolk Southern Corporation (NSC),  and CSX Corporation (CSX)  which moves huge quantities of goods from the Midwest to Florida.

5) And most importantly, I have to believe that the companies will be around, at a minimum, for another twenty-five-plus years—Wal-Mart or Coca-Cola, for example.

Amazon surely fits all the above-mentioned safer investing rules, except they do not pay dividends as of yet. However, they have a unique CEO/leader in Jeff Bezos, who is a true visionary and has a very long-term view. Bottom line/net income is not his main concern; he is mainly concerned about having happy repeat customers and capitalizing on niche markets, such as now striking a deal with the U.S. Postal Service (USPS) to deliver goods on Sundays when most people are at home. This is the kind of creative, out-of-the-box thinking that keeps a company ahead of the competition and moving forward. They have dominated in book sales online including my amazon books on stock investing.

Here are some financial numbers on Amazon you simply cannot ignore:

Top line Revenue:      Year 2009: $24.5 billion

Year 2010: $34.2 billion

Year 2011: $48 billion

Year 2012: $61 billion

Year 2013: $74.4 billion

Year 2014: $88.9 billion

That kind of growth rate is simply hard to be maintained, but if they can grow that well in a recessionary period, they have a very good chance to improve as the U.S. and world economies get better. It’s just a matter of time before the board of directors starts paying cash dividends.

In summary, Amazon is one of those stocks you have to hold in the very long-term part of your investment portfolio. The grandkids or your much younger relatives will be very happy you did.

More Dividend Investing 101:

Here is a very good video on dividend dates:

Ex-Dividend Date – Video | Investopedia


Very Important 2015 IRA Changes

Very Important IRS IRA change for 2015: Please read, and save and share info:

New IRS IRA 2015 Rule

A) 60-Day Rollovers for IRAs – Effective for distributions taken on or after January 1, 2015, you are permitted to roll over only one distribution from an IRA (Traditional, Roth, or SIMPLE) in a 12-month period, regardless of the number of IRAs you own. A distribution may be rolled over to the same IRA or to another IRA that is eligible to receive the rollover.

However, you can still do as many custodians to custodians transfer (also known as a Direct Transfer) as you want. A Smart thing to do is to save your one Rollover ( getting the money from the firm/custodian in a check to you in your hands or your non-IRA account at your bank) per every 12 months and only use that in an emergency, but do all other movements of your IRA’s by Firm to Firm transfer.

Just to be clear:

1) A rollover is where you get a check or funds distributed directly to you personally and you have the option to rollover it back into an IRA with a custodian/Firm within 60 days to avoid taxes (or taxes and penalty if you are under age 59 and half*)

2)A Direct IRA to IRA Transfer is where you do not take physical possession of the funds personally: (Hands off),It gets moved by going from one firm to another: Example if you have an IRA at Firm A and you Instructed firm B to take possession of the money from firm A;
Firm A will send the IRA funds directly to your IRA at Firm B; once it gets yours the transfer instructions from firm B.

A Direct IRA Transfer, is now you best option if you want to move your IRA money from one firm to another; less work and this usually does do not generate any IRS 1099R forms.
For more information on the new rollover limitations, please visit the IRS website at
*Like most IRS Rules there are always some exceptions

Please remember to check out my books for more helpful tips and paying less taxes and  Safer Investments  ideas:

As Warren Buffett  says: ” Rule number one do not lose money, Rule number two: see rule number one”   

Is The Stock Market Rigged?

Is the stock market rigged? Why does the Dow seem to be at stuck at 18,000 for the past few months: April -June of 2015?

Maybe or maybe not?

Why do the people–the Editors of the Wall Street Journal, parent company of the Dow Jones & Co.–who run the DOW, the thirty stocks (yes this may shock you but there are only 30 stocks that make up the all powerful Dow Jones Industrial Average) keep shuffling so many companies in and out in the past six years? Keep in mind; in the 128 years history of the DOW, they have only made 53 changes and average 1 every 2.4  years, but since 2008, they have made ten changes–that is about one shuffle every six months. drip 2The DOW Jones lately reminds me of the twin brother marathon runners where only one brother starts the race and soon as he is tired, the other brother slips in for a few miles. As soon as he is tired, the they repeat the process and eventually win the race.

Now tell me that is not rigged?

Yes–in my opinion it is rigged! However, that is something you cannot control, but here is a sure way for you to win at this game and safely earn a lot more money.

Just in case some person or entity(s) is fixing the stock market, here is what you have the power to control when it comes to investing in the stock markets. You can earn millions of dollars over time by how and where you invest your money.

Invest in only the companies whose products and services you and millions of people MUST (Yes, MUST is the key word here) buy and use each day i.e. Do you, or someone one you know, must take a life-saving drugs or even simpler, do you put gas in your car weekly or pay your utility company monthly  for your gas and electric use? drip 1Even simpler, how do you pay for most things such as your Nike shoes? Are you one of the over billion of people that use a Visa or Mastercard?

Also, to further protect the money you invest, make sure these companies pay at least an increasing quarterly cash dividend. Also, have the dividends reinvested in more of the same shares of the company; enroll your shares in a Dividend Reinvestment Plan (DRIP). Drip phots

Remember, “Don’t hate the players, be part of the winning team.”

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